UTB Stock Overview
Operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 2/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
Community vs My Fair Value
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Unity Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$36.80 |
| 52 Week High | US$50.50 |
| 52 Week Low | US$23.60 |
| Beta | 0.96 |
| 1 Month Change | -20.35% |
| 3 Month Change | -16.74% |
| 1 Year Change | 53.33% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 663.96% |
Recent News & Updates
Recent updates
Shareholder Returns
| UTB | DE Banks | DE Market | |
|---|---|---|---|
| 7D | -1.6% | -0.5% | -0.5% |
| 1Y | 53.3% | 36.4% | 15.5% |
Return vs Industry: UTB exceeded the German Banks industry which returned 34.9% over the past year.
Return vs Market: UTB exceeded the German Market which returned 13.6% over the past year.
Price Volatility
| UTB volatility | |
|---|---|
| UTB Average Weekly Movement | 8.2% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 5.3% |
| 10% most volatile stocks in DE Market | 11.9% |
| 10% least volatile stocks in DE Market | 2.8% |
Stable Share Price: UTB's share price has been volatile over the past 3 months compared to the German market.
Volatility Over Time: UTB's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of German stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1991 | 224 | Jim Hughes | www.unitybank.com |
Unity Bancorp, Inc. operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services. It offers personal and business checking accounts, time deposits, money market accounts, savings account, retirement accounts, as well as noninterest and interest-bearing demand deposits. The company also provides commercial, small business administration, consumer, mortgage, and home equity and personal loans; owner-occupied and non-owner-occupied commercial mortgages.
Unity Bancorp, Inc. Fundamentals Summary
| UTB fundamental statistics | |
|---|---|
| Market cap | €389.36m |
| Earnings (TTM) | €38.09m |
| Revenue (TTM) | €94.77m |
10.3x
P/E Ratio1.4x
P/B RatioIs UTB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UTB income statement (TTM) | |
|---|---|
| Revenue | US$103.13m |
| Cost of Revenue | US$0 |
| Gross Profit | US$103.13m |
| Other Expenses | US$61.68m |
| Earnings | US$41.45m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 4.12 |
| Gross Margin | 100.00% |
| Net Profit Margin | 40.19% |
| Debt/Equity Ratio | 78.1% |
How did UTB perform over the long term?
See historical performance and comparisonDividends
1.2%
Current Dividend Yield13%
Payout RatioDoes UTB pay a reliable dividends?
See UTB dividend history and benchmarks| Unity Bancorp dividend dates | |
|---|---|
| Ex Dividend Date | Mar 14 2025 |
| Dividend Pay Date | Mar 28 2025 |
| Days until Ex dividend | 1 day |
| Days until Dividend pay date | 13 days |
Does UTB pay a reliable dividends?
See UTB dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/14 08:49 |
| End of Day Share Price | 2025/03/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Unity Bancorp, Inc. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Erik Zwick | Boenning & Scattergood, Inc. |
| null null | D.A. Davidson & Co. |
| Jacob Civiello | Janney Montgomery Scott LLC |